Manual outreach can't keep pace with portfolio scale. Your team makes hundreds of calls daily, leaving voicemails and sending emails that go unanswered. Accounts age beyond 90 days, recovery likelihood drops exponentially, and cash flow suffers. You need intelligent automation that reaches customers when they're most likely to respond through channels they actually use.
Meeting PCI-DSS requirements for payment data, FDCPA rules for consumer collections, TCPA restrictions on calling and texting, and GDPR/CCPA privacy mandates creates overwhelming documentation burden. Every communication must be logged, consent must be tracked, and audit trails must be maintained—all while regulations continue evolving.
Aggressive collection tactics damage long-term customer relationships and brand reputation. You need to recover receivables while maintaining professionalism and empathy—preserving the possibility of future business with customers who experienced temporary financial difficulty. Tone, timing, and channel selection matter as much as message content.
Large call center operations drive significant overhead—agent salaries, training, turnover, facilities, and technology infrastructure. Recovery rates don't justify the cost per contact for many account segments. You need automation that handles routine outreach and payment processing while reserving human agents for complex negotiations and high-value accounts.
Your collections platform, payment processing system, CRM, communication tools, and compliance tracking software operate independently. Agents toggle between multiple screens, customer information exists in silos, and you lack unified visibility into recovery pipeline and portfolio health.
Protects debtor data and payment systems with continuous AI-driven pentests, automated exploit simulation, and audit-ready evidence for compliance frameworks.
Your platform continuously tests every system that stores or processes debtor information—from payment portals to agent desktops to backend collections databases. When the platform detects a weakness, such as an exposed administrative interface or a misconfigured access role, it safely simulates exploits to verify real risk, logs the activity, and evaluates the potential impact on PCI-DSS and data-protection controls.
During regulatory examinations or internal audits, the system produces complete evidence of validated vulnerabilities, remediation actions, and encryption and access-control safeguards—demonstrating compliance with PCI-DSS, GDPR, and industry-specific regulations governing collections operations.
Secure customer data and payment records with automated compliance frameworks and audit-ready evidence for every transaction.
Your platform monitors all access to debtor personal information and payment card data across your collections infrastructure. When an agent processes a payment, the system automatically logs the transaction, validates PCI-DSS compliance controls, encrypts sensitive data, and generates audit documentation.
During regulatory examinations or internal audits, you produce complete evidence of data protection safeguards, access controls, and encryption implementation—demonstrating compliance with PCI-DSS, GDPR, and industry-specific regulations governing collections operations.
Reach customers across voice, SMS, WhatsApp, and email with smart, rule-based outreach and escalation logic—all within compliance limits.
An account reaches 60 days past due. Your platform automatically initiates a communication sequence: first, an email reminder with a payment link. If no response in 48 hours, an SMS message with simplified payment options. After 72 hours, an automated voice call that identifies the account, offers payment arrangements, and provides a callback number.
The system tracks all communications, respects do-not-call preferences, limits contact frequency per FDCPA and TCPA requirements, and documents consent at every touchpoint. When a customer responds via any channel—replying to SMS, clicking an email link, or speaking with the voice agent—the system routes them to payment processing or connects them with a human agent based on complexity and account value.
Consolidate customer data, payment history, and interaction logs to identify high-likelihood recovery opportunities and automate repayment workflows.
Your CRM maintains complete debtor profiles including original transaction details, payment history, communication preferences, previous payment arrangements, and all collection interactions. When analyzing your portfolio, the system identifies accounts with high recovery probability based on historical patterns: customers who previously made payments after specific message sequences, those who respond better to certain communication channels, or accounts where payment arrangements succeeded.
For a customer who made three payments on a previous arrangement before defaulting, the system suggests offering similar terms rather than demanding immediate payment in full. Collection agents see the complete relationship history, enabling empathetic, informed conversations that preserve customer relationships while securing payment commitments.
Deploy empathetic, no-code voice and chat agents that negotiate, confirm, and document payments—reducing agent load while improving customer satisfaction.
A customer receives an automated call about their past-due account. Your AI voice agent speaks naturally: "This is a message for [name] regarding your account with [company]. I'm calling to discuss your balance of [amount] that's currently past due. I can help you make a payment or set up a payment arrangement that works for your situation." The customer explains they lost their job but can now make payments.
The agent responds empathetically: "I understand that's been difficult. Many customers in similar situations find a payment plan helpful. Based on your balance, we could arrange [option 1] or [option 2]. Which works better for you?" The system processes the arrangement, collects initial payment via integrated payment processing, schedules future payments, sends confirmation, and documents the entire conversation with required disclosures for regulatory compliance.
